? the irs. imagine how convent prior to the 2014 elections, how convent for you to get a phone call from ther is and is say, by the way, mr. neil, i see here you are asking for tax breaks for your health insurance. we need more information. we need more -- >> neil: wouldn't the irs already know that? >> not necessarily. not a question they have. and basically you're sort of -- the irs just goes with your income, what you make and all that, and it's predicated on moneys you paid last year, not the year you're currently in. and the irs -- this will be an audit -- don't wants a out did during an election year so how convenient. we're going to take your record. >> neil: means there's no way to check whether someone is gouging the system. >> no way. >> neil: down the road there will be but in the meantime, if you're shrewd and you want to take advantage of this to the max and be covered on m m.r.i.s. how many do you think would do that? >> i think a lot of people would do that. people are still confused. everybody is confused about the health insurance issue. they don't know what is going on.